数字金融创新发展与新型金融风险的法律规制

The Development of Digital Financial Innovation and the Legal Regulation of New Financial Risks

数字货币、大数据征信、智能投顾、智能保险等数字金融创新在大数据、云计算、人工智能、区块链、物联网等数字技术的支撑下迅猛发展,呈现出“金融消费行为网络化、金融机构运营平台化、金融服务行为算法化、金融数据要素产权化、货币信用数字通证化”等创新发展趋势。同时,数字金融创新可能引发的新型金融风险问题和金融消费权益侵害问题也日益突出,现行金融法律体系的滞后性逐渐显现。本文认为应根据新趋势、新问题,建立和完善与数字金融时代相适应的数字金融法律规制体系。

Digital Financial innovation,such as digital currency,big data credit reporting,intelligent investment consult-ing,and intelligent insurance,have developed rapidly with the support of digital technologies such as big data,cloud com-puting,artificial intelligence,blockchain,and the Internet of Things,and presents the innovative development trends such as networking of financial consumer behavior,platformization of financial institution operation,algorithmization of financial service behavior,propertization of financial data elements,and digital tokenization of currency credit.At the same time,digital Financial innovation may lead to new financial risks,and the financial consumer rights violations are also increas-ingly prominent.The lagging nature of the current financial legal system is gradually emerging.This paper argues that the legal regulation system of digital finance should be established and improved according to the new trends and problems.